EP0917120A2
Expired / Lapsed
EP
⏱️ 0.0 years remaining
Virtual wallet system
Assignee: Citicorp Development Center Inc
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Filing: 1998-11-10
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Granted: —
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Expires: 2018-11-10
Abstract
Abstract The present invention provides apparatus, methods and systems for information and financial banking. Apparatus of the present invention include virtual wallets which allow for information and financial banking including payment mechanisms; identity authentication mechanisms; personal information; and electronic artifacts. Methods and systems of the present invention include information and financial banking methods utilizing virtual wallets. A preferred virtual wallet comprises a locally residing portion and a server residing portion. An interface is provided for communication between the two portions of the wallet.
Inventors
- 👤 Chris T. Paltenghe
- 👤 Alnoor B. Mamdani
- 👤 Charles Golvin
- 👤 Henry Lichstein
- 👤 David Solo
- 👤 Jack Pan
- 👤 Melvin M. Takata
Bibliographic Details
Application Number
—
Jurisdiction
EP
Data Source
google_patents
Last Synchronized
2026-11-07 18:49
CPC Classifications
G; G06; G06F; G06F21/00; G06F21/60; G06F21/62; G06F21/6209; G06F21/6218; G06F21/6245; G06F21/6263; G06F21/64; G06Q; G06Q20/00; G06Q20/04; G06Q20/06; G06Q20/065; G06Q20/0655; G06Q20/0658; G06Q20/08; G06Q20/10; G06Q20/105; G06Q20/30; G06Q20/34; G06Q20/351; G06Q20/357; G06Q20/3574; G06Q20/36; G06Q20/363; G06Q20/38; G06Q20/383; G06Q20/40; G06Q20/401; G06Q20/4014; G06Q30/00; G06Q30/02; G06Q30/0207; G06Q30/0226; G06Q30/0241; G06Q30/06; G06Q30/0601; G07; G07F; G07F7/00; G07F7/08; G07F7/0866; G07F7/12; G07F7/122
Claims Analysis
Total Claims: 9
Claim 1
Independent Claim
31 words
A virtual wallet system comprising a locally residing wallet portion, an
external server residing wallet portion and an interface between the locally residing
wallet portion and the external server residing portion.
Claim 2
Dependent Claim
27 words
The virtual wallet system of claim 1 wherein the wallet includes at least one
of the following: payment mechanisms; identity authentication mechanisms; personal
information; and electronic artifacts.
Claim 3
Dependent Claim
31 words
The virtual wallet system of claim 2 wherein the payment mechanisms
comprise one or more of the following: bank account information, credit account
information, electronic currency, electronic checks and debit cards.
Claim 4
Dependent Claim
19 words
The virtual wallet system of claim 2 wherein the identity authentication
mechanisms comprise personal identification information and authentication
information.
Claim 5
Dependent Claim
44 words
The virtual wallet system of claim 2 wherein personal information
comprises one or more of the following: name, home address, work address, home
phone, work phone, emergency contact information, personal phone numbers and
addresses, appointments and reminders, personal preferences and interests and
biometric information.
Claim 6
Dependent Claim
33 words
The virtual wallet system of claim 5 wherein personal identification
information comprises one or more of the following: name, home address, work
address, home phone, work phone, emergency contact information, and biometric
information.
Claim 7
Dependent Claim
23 words
The virtual wallet system of claim 5 wherein authentication information
comprises one or more of the following: certificates, access keys and biometric
information.
Claim 8
Dependent Claim
25 words
The virtual wallet system of claim 2 wherein the electronic artifacts
comprise one or more of the following: loyalty credits, coupons, pictures, tokens and
tickets.
Claim 9
Dependent Claim
12 words
A system for electronic commerce utilizing a virtual wallet of claim 1.
References Cited (Backward Citations)
No citation records indexed.
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